Cheap 1996 Pontiac Bonneville Car Insurance Rates

Having to pay for overpriced insurance can empty your checking account and force you to prioritize other expenses. Comparing price quotes is free and is an excellent way to tighten up your finances. Multiple insurance companies compete for your insurance dollar, and because of this it can be hard to compare auto insurance companies to get the cheapest price

Discounts are great for lower rates

Insuring your fleet can be pricey, but discounts can save money and there are some available to reduce the price significantly. Some discounts apply automatically at quote time, but a few need to be asked about prior to receiving the credit. If you’re not getting every credit you deserve, you are paying more than you should be.

  • Drivers Education – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in high school.
  • Discount for New Cars – Adding a new car to your policy can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • Government Employees – Active or retired federal employment may qualify you for a discount on Bonneville insurance with a few car insurance companies.
  • Safe Drivers – Insureds without accidents may save up to 50% more on Bonneville insurance than their less cautious counterparts.
  • No Charge for an Accident – Some insurance companies permit an accident before your rates go up if you are claim-free for a certain period of time.
  • Defensive Driving Course – Taking a driver safety course can save you 5% or more depending on where you live.
  • Distant Student – Youth drivers who live away from home and do not have access to a covered vehicle can be insured at a reduced rate.

It’s important to understand that most discounts do not apply to your bottom line cost. Most only cut the price of certain insurance coverages like liability and collision coverage. So even though it sounds like all those discounts means the company will pay you, it just doesn’t work that way. Any qualifying discounts will reduce the amount you have to pay.

Car insurance companies who might offer some of the above discounts include:

It’s a good idea to ask each company which discounts they offer. Some discounts might not be offered everywhere.

You may need specialized coverage

When choosing coverage for your vehicles, there really is no perfect coverage plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. These are some specific questions might help in determining whether you could use an agent’s help.

  • At what point should I drop full coverage?
  • Is my custom paint covered by insurance?
  • Is a new car covered when I drive it off the dealer lot?
  • Do I need rental car coverage?
  • Does insurance cover damages from a DUI accident?
  • Do I need PIP coverage since I have good health insurance?
  • How can I get high-risk coverage after a DUI?
  • Do I have coverage when using my vehicle for my home business?
  • Am I covered when driving a rental car?
  • Is my 1996 Pontiac Bonneville covered for smoke damage?

If you can’t answer these questions, you might consider talking to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and you can get the answers you need.

Advertising myths

Drivers get pounded daily by advertisements for cheaper car insurance by Progressive, Geico, Allstate and State Farm. They all say the same thing of big savings if you switch to their company.

But how can every company say the same thing? This is how they do it.

All the different companies have a certain “appetite” for the type of driver that is profitable for them. For instance, a driver they prefer might be profiled as between the ages of 40 and 55, has no prior claims, and drives less than 10,000 miles a year. A propective insured who fits that profile gets the lowest rates and is almost guaranteed to save when switching.

Consumers who fall outside this ideal profile will have to pay more money and this can result in the driver buying from a lower-cost company. The ads state “people who switch” but not “drivers who get quotes” save money. That is how insurance companies can claim big savings.

Because of the profiling, it’s extremely important to get as many comparisons as possible. It’s not possible to predict which company will fit your personal profile best.

Insurance coverage basics

Having a good grasp of your policy helps when choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Shown next are typical coverage types found on the average insurance policy.

Collision protection

Collision insurance covers damage to your Bonneville caused by collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things like backing into a parked car, hitting a mailbox, driving through your garage door and colliding with another moving vehicle. Collision is rather expensive coverage, so consider removing coverage from older vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Liability coverages

This coverage will cover damage that occurs to other people or property by causing an accident. This insurance protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 100/300/100 which means $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Another option is one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability insurance covers things like medical services, structural damage, repair bills for other people’s vehicles and legal defense fees. How much coverage you buy is a decision to put some thought into, but you should buy as much as you can afford.

Medical costs insurance

Med pay and PIP coverage reimburse you for expenses like chiropractic care, ambulance fees and pain medications. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

UM/UIM Coverage

This coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your Pontiac Bonneville.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Normally the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive or Other Than Collision

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like a broken windshield, damage from getting keyed and rock chips in glass. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Summing up your car insurance search

The cheapest 1996 Pontiac Bonneville insurance can be sourced both online and also from your neighborhood agents, and you need to comparison shop both to get a complete price analysis. Some insurance providers may not provide online quoting and most of the time these smaller companies sell through independent agents.

As you go through the steps to switch your coverage, you should never sacrifice coverage to reduce premiums. There have been many situations where drivers have reduced liability coverage limits to discover at claim time they didn’t purchase enough coverage. Your focus should be to buy the best coverage you can find at an affordable rate.

More information can be found at these links: